Fatima Oliver

Multi-million dollar AR portfolio | U.S. & Canadian markets | Offshore teams and vendor network | Cross-functional leadership across Finance, Billing, FP&A, and Customer Success.

Key Systems: Lockstep, Chargebee, Salesforce, Zendesk, Looker, HubSpot, Jira, Sage. Rebuilt the company's AR function into a structured, SOX-aligned recovery operation supporting subscription and credit line governance for brand clients across North America, improving working capital performance and revenue visibility.

Senior Collections Manager at Dutchie (2025-01 – 2026-03)

Multi-million dollar AR portfolio | U.S. & Canadian markets | Offshore teams and vendor network | Cross-functional leadership across Finance, Billing, FP&A, and Customer Success.

Key Systems: Lockstep, Chargebee, Salesforce, Zendesk, Looker, HubSpot, Jira, Sage. Rebuilt the company's AR function into a structured, SOX-aligned recovery operation supporting subscription and credit line governance for brand clients across North America, improving working capital performance and revenue visibility.

• Increased monthly recoveries from $2.98M to $6.78M within twelve months
• Reduced DSO from 211 days to 57 days in six months
• Recovered $4M from the 90+ day delinquency bucket in Q4
• Designed a segmented collections strategy aligned to SMB, Mid-Market, and Enterprise accounts, improving prioritization and recovery efficiency
• Implemented automated billing communications and dunning workflows based on billing groups and account types to accelerate early-stage payments
• Built SOX-compliant AR workflows and documented SOPs across the full customer lifecycle from onboarding through billing, invoicing, collections, and external recovery
• Partnered with Billing and Finance teams to locate and resolve unapplied payments, post cash transactions, upload invoices to customer portals, and reconcile billing discrepancies to ensure GAAP-aligned revenue accuracy
• Managed invoice uploads and payment reconciliation through Bill.com, Ramp, Invoiced, and ERP billing platforms
• Reviewed GMV and ARR exposure across high-value accounts to prioritize collection strategy and mitigate churn risk
• Approved customer credit allocations and payment plan structures to protect long-term revenue retention
• Collaborated with engineering to develop automated recovery workflows for SMB accounts under $5K, reducing manual intervention and accelerating recovery timelines
• Implemented bankruptcy, receivership, and billing dispute flags to prevent premature collections activity and reduce legal risk exposure
• Sourced and managed third-party collection vendors, improving recovery rates for long-aged receivables
• Delivered executive dashboards and AR risk reporting to leadership, highlighting payment behavior trends and recovery forecasts
• Partnered with FP&A to resolve credit blocks and structural billing issues, reducing bad debt exposure while improving revenue recognition timelines

Senior Collections Manager at Leafly Holdings, Inc (2023-04 – 2025-01)

North American B2C portfolio | multi-million receivables exposure | Offshore collectors and vendor partners | Cross-functional leadership across Finance, Billing, and Customer Success. Led a team of 7 collectors (3 Offshore) to manage international collections across multiple markets, improving recovery rates by 71% through the implementation of automated workflows and data-driven strategies.

Key Systems: High Radius, Salesforce, Zendesk, Looker, HubSpot, Figma, Zuora, Tesorio, Slack, Jira. Built and scaled the company's first structured collections program, integrating billing operations, credit risk management, and customer engagement strategies to improve revenue stability and operational transparency for Retail and Brand clients.

• Reduced DSO from 200 days to 75 days within six months
• Reduced 90+ day aged receivables by $2M in the first quarter
• Increased payments received prior to 60 days past due by 71%
• Developed a company-wide collections framework integrating Sales, Billing, Customer Success, Finance, and Legal
• Designed segmented collections workflows aligned to customer size and revenue exposure, improving strategic prioritization of high-risk accounts
• Managed invoice reconciliation, unapplied payment identification, payment posting, and billing dispute resolution in partnership with Finance teams
• Uploaded invoices to customer billing portals and directly reviewed invoice accuracy with customers, accelerating payment resolution and revenue recognition
• Oversaw GMV and ARR portfolio exposure analysis to determine collection escalation strategies for high-value clients
• Managed vendor payouts and credit allocations, ensuring proper financial controls and accurate revenue tracking
• Built operational reporting frameworks using Salesforce, Zuora, Zendesk, and BI dashboards to track payment trends and recovery performance
• Led onboarding and management of offshore collection teams to expand early-stage customer outreach coverage
• Implemented third-party vendor recovery strategies to address aged receivables and improve recovery performance
• Strengthened onboarding by implementing creditworthiness assessment frameworks for new clients
• Ensured SOX-compliant AR processes and internal control documentation, supporting internal and external audits
• Delivered revenue variance and commission analysis to leadership to support financial planning and forecasting

Accounting Manager at Willa Inc (2021-11 – 2023-04)

Global B2B/B2C creator payment platform | Multi-million AR portfolio | Vendor recovery partners | Cross-functional collaboration with Finance, Product, and Engineering teams. Led a team of 11 collectors (8 Offshore) managing collections across multiple markets, improving never pay accounts by 35%.

Key Systems: High Radius, Salesforce, Zendesk, Tableau, Figma, Zuora, Jira, Slack, Zapier, Ramp, Bill.com, Stripe. Built and led the company's first structured Accounts Receivable and billing operations function, implementing scalable loan governance processes that improved revenue recovery, reduced fraud exposure, and strengthened financial reconciliation practices.

• Developed and implemented the company's first end-to-end AR strategy supporting both B2B and B2C clients, establishing scalable collections and billing frameworks
• Reduced bad debt exposure by $3M within four months through structured recovery initiatives and improved delinquency management
• Managed invoice creation, reconciliation, and uploads across multiple payment and billing platforms including Bill.com, Invoiced, and Lumanu, ensuring timely and accurate billing delivery to clients
• Partnered with billing and finance teams to reconcile invoices and resolve payment discrepancies, accelerating payment resolution and revenue recognition
• Implemented billing reconciliation workflows to identify unapplied payments and invoice mismatches, reducing payment delays and improving financial reporting accuracy
• Onboarded and managed third-party vendor partners to recover funds from resistant or delinquent payers, improving recovery performance on aged receivables
• Collaborated with offshore development teams to design and implement a structured client onboarding process, reducing fraudulent and "never-pay" accounts by 35%
• Monitored key AR performance metrics including RPC, CEI, AHT, and CSAT, consistently maintaining a 90% Collection Effectiveness Index (CEI)
• Led a team of five employees while managing multiple vendor partners and contractors, conducting performance reviews and developing high-performing team members
• Ensured compliance with FDCPA, TCPA, FCRA, and internal financial controls, strengthening operational governance across AR operations

Collections Supervisor at Charter Communications (2012-03 – 2021-11)

$300M+ AR portfolio | 25+ team members | National telecom client base | Vendor and offshore support teams. Key Systems: Netcracker, Salesforce, ServiceNow, Tableau, Smartsheet, OnBase, Jira, Skype, High Radius, Ariba, Invoice.com, Ramp, Lumanu, MicroStrategy, Avaya. Led large-scale AR and billing operations supporting a $300M+ receivables portfolio while implementing enterprise-level financial controls and recovery strategies across multiple business units.

• Reduced and sustained DSO from 120 days to 61 days across a $300M+ portfolio
• Achieved <1% portfolio write-offs through advanced collections strategy and risk monitoring
• Directed 25+ employees and multiple third-party vendor teams across billing, cash application, and collections functions
• Merged three AR and cash application teams' post-acquisition, implementing unified billing and recovery processes
• Oversaw invoice generation, payment posting, unapplied cash resolution, and account reconciliation activities
• Managed invoice uploads to enterprise billing systems and customer portals, ensuring timely billing accuracy
• Approved vendor payouts and payment allocations, maintaining strict financial controls and reconciliation standards
• Analyzed GMV and revenue exposure across large enterprise accounts to guide recovery strategy and escalation decisions
• Led billing system integrations and automation initiatives improving financial data accuracy and operational efficiency
• Oversaw month-end and year-end financial close processes related to AR reporting and reconciliation
• Partnered with offshore development teams to implement customer segmentation and billing automation strategies within telecom billing platforms
• Supported internal and external audits by maintaining documentation and financial control procedures

Accounting Certificate in Accounting – University of Phoenix (2025-06)

Master of Psychology in Psychology – University of Phoenix (2023-01)

Master of Business Administration (MBA) in Business Administration – University of Phoenix (2020-11)

Bachelor of Business Administration in Business Administration – University of Phoenix (2017-08)